Insurance built for electrical contractors.

That is the products-completed-operations side of general liability, and on completed electrical work it is the exposure that matters most. A panel, connection, or circuit you installed or serviced that later starts a fire, causing third-party bodily injury or property damage, is what this part of the policy is built to respond to. How the policy is triggered — on an occurrence basis versus a claims-made basis — changes how a claim that surfaces months after the job is finished is handled, which is exactly the nuance we walk owners through.

It is built around severity. Electrocution and arc-flash burns on energized work put electricians among the highest-severity workers compensation classifications there are, and power-line work sits at the far end of that range. An honest program gets the classifications right, handles the four monopolistic state-fund states (North Dakota, Ohio, Washington, and Wyoming) as they actually operate, and sizes employers liability to the work rather than treating comp as a box to check.

Employers liability is the part of a workers compensation policy that responds when an injured employee brings a suit that falls outside the no-fault comp benefit itself. It sits alongside the medical-and-wage benefit, and an umbrella policy can sit excess of it. For an electrical crew working around energized circuits, arc-flash hazards, and — on the power-line side — some of the highest-severity exposure in any trade, it is a meaningful part of how the program is structured, not a line item to ignore.

Those are two different lines. Commercial auto answers the service trucks, vans, and bucket trucks that run between the shop and the jobsite every working day — the mobile, truck-roll exposure a personal or generic policy is not built for. Contractors equipment, an inland marine line, answers the testers, meters, benders, wire spools, lifts, and staged fixtures on the jobsite and in transit. An electrical program should carry both, matched to how you actually run the operation.

In nearly every state, yes — electrical is the most-licensed trade we write, usually through journeyman and master tiers issued by a state electrical board. Some states run licensing at the state level, and some defer to local jurisdictions. Because it varies, the honest answer is state-by-state — we confirm what your specific state and locality require rather than assuming a single national rule, and we never point you at a license or tier that does not exist.

There is no single price, because premium is driven by your specific operation. The biggest factors are your payroll and crew classifications — power-line and energized work rate very differently from residential service — your revenue, the mix of work you do across residential, commercial and industrial, and power-line, the number and value of your trucks, and your prior claims history. A residential service shop and a power-line contractor look very different to an underwriter. We price to the real risk rather than a generic guess.